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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $151,208 | $183,516-17.6% | $155,534-2.8% | $145,884+3.6% |
| Participation rate | 30.0% | 82.7%-52.7pp | 78.2%-48.2pp | 80.3%-50.3pp |
| Annual return | 17.37% | 61.43%-44.1pp | 64.92%-47.5pp | 551.85%-534.5pp |
| Employer contribution / active EE | $1,083 | $5,315-79.6% | $4,675-76.8% | $4,662-76.8% |
| Participant deferral / active EE | $4,149 | $6,467-35.8% | $5,630-26.3% | $6,690-38.0% |
| Admin fee / account holder | $1,309 | $19,293-93.2% | $15,900-91.8% | $13,392-90.2% |